Plumas Bancorp (PLBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$63.24+0.91%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PLBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 6.8% |
| Our one-year growth estimate | diamond | -0.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers
PLBC — dividend update
Dated 2026-07-16
Other Events. On July 15, 2026 Plumas Bancorp ’ s Board of Directors declared a quarterly cash dividend in the amount of $0.33 per common share payable on August 17, 2026 to shareholders of record at the close of business day on August 3, 2026. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. July 15, 2026 PLUMAS BANCORP By: /s/ Richard L. Belstock N…
Why it matters: More nonperforming loans show problems with asset quality. This can hurt investor confidence.
Worry ifNonperforming loans exceed $25 million at the end of Q3 2026.
Less concerning ifNonperforming loans remain below $25 million at the end of Q3 2026.
Why it matters: An increase shows good capital management and trust in future earnings.
Supportive ifDividend declared above $0.33 per share.
Worry ifDividend remains at or below $0.33 per share.
Why it matters: News about share buybacks shows that management believes in the company's value. It also shows they are good at handling money.
Watch forThey announced buying back more shares beyond the $25 million limit.
Also watch forNo updates or further repurchases announced by the end of Q3.
Why it matters: Ongoing loan growth shows Cornerstone is integrating well. It also means market growth.
Supportive ifGross loans increase by more than $400 million in the next quarter.
Worry ifGross loans increase by less than $300 million in the next quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $176 loss on $10,000 · 1.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,134 loss on $10,000 · 11.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: More deposits show strong customer confidence and good growth plans. This helps future lending.
Supportive ifTotal deposits increase by more than $100 million in Q3.
Worry ifTotal deposits increase by less than $50 million in Q3.
Why it matters: Fewer nonperforming loans mean better asset quality and credit risk management. This helps build investor trust.
Supportive ifNonperforming loans decrease to below $20 million in Q3.
Worry ifNonperforming loans increase above $25 million in Q3.
Why it matters: Achieving record earnings shows strong growth. It can attract more investors.
Supportive ifThe company reports net income exceeding $9.8 million in Q2 2026.
Worry ifNet income falls below $9.8 million in Q2 2026.
Why it matters: Slower growth in net interest income may mean weaker loan demand or margin pressure.
Worry ifNet interest income growth is less than 5% year over year in Q3 2026.
Less concerning ifNet interest income growth exceeds 5% year over year in Q3 2026.
Why it matters: High loan growth would show that growth strategies are working after the acquisition.
Supportive ifGross loans reported at $1.5 billion or more, showing over 50% growth year over year.
Worry ifGross loans reported below $1.45 billion, showing less than 45% growth year over year.
Why it matters: Strong net interest income growth shows good loan and deposit management. This helps make more money.
Supportive ifQ3 net interest income growth exceeds 10% year over year.
Worry ifQ3 net interest income growth is less than 5% year over year.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would impact investor confidence in Plumas Bancorp's performance.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth remains at or above the median of 15% year over year.
Why it matters: Earnings consistency builds investor confidence. It shows that the company is growing.
Supportive ifQ3 earnings reported at or above $9.9 million.
Worry ifQ3 earnings fall below $9.9 million.
Why it matters: If this level goes up, it shows worse asset quality and higher credit risk.
Worry ifNonperforming loans as a percentage of total loans exceeds 2%.
Less concerning ifNonperforming loans remain below 1.5% of total loans.
Why it matters: Keeping the dividend shows the company is financially healthy. It also shows they care about giving value to shareholders.
Supportive ifThe Board declares a quarterly dividend of $0.33 per share for Q3 2026.
Worry ifThe dividend is cut or not declared for Q3 2026.
Why it matters: Slower deposit growth may mean less customer trust or more competition.
Worry ifTotal deposits grow less than 30% year over year in Q3 2026.
Less concerning ifTotal deposits grow more than 30% year over year in Q3 2026.
Why it matters: More nonperforming loans may mean problems with asset quality. This can hurt investor trust.
Worry ifNonperforming loans are over $23.5 million.
Less concerning ifNonperforming loans are below $23.5 million.
Why it matters: More nonperforming loans could mean problems with asset quality.
Worry ifNonperforming loans stay below $23.5 million. This shows asset quality is stable.
Less concerning ifNonperforming loans go over $25 million. This raises worries about credit risk.
Why it matters: Slower deposit growth could hurt funding and lending.
Worry ifTotal deposits grow at or above 38%. This shows strong customer loyalty.
Less concerning ifTotal deposits grow less than 30%. This may mean trouble attracting deposits.
Why it matters: Q3 results will show if growth keeps going after the Cornerstone buy.
Supportive ifEarnings per share exceeds $1.43, showing continued strong performance.
Worry ifEarnings per share fall below $1.40. This may mean a slowdown.